Manipulation or algorithms? Online will never take over human origination, as it is now; the online info. borrowers input is only half of what a "human" underwriter needs to put all the puzzle pieces together to underwrite a file. Even when an MLO puts all the pieces they have in their underwriting LP software, there are still parts to be had (or investigate). It goes on and on with all the changing regulations too, no computer can keep up with the CFPB. You won't see it in the next decade that's for sure. At the end of the day you still have that "human" putting all their "online" info into those system, from what I've come across in just the past three years (of online app. sites) Garbage in, garbage out!